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Affordable Life Insurance -- Tips For Cheaper Rates

Apr 11, 2008
Affordable life insurance: This article will show you other things you can do to get lower rates. Also take note of the precaution you are advised to take as you implement these tips...

1. If you take part in high risk or dangerous sports you will attract high life insurance rates. It is therefore up to you to quit such dangerous sports if you need cheaper life insurance rates.

2. A poor driving history can make you pay expensive life insurance rates. Being found guilty of traffic violation is not only bad for your auto insurance rate it also has an effect on your life insurance premium.

The plain reason is that you'll become a greater risk to your life insurance provider.

You'll reduce your life insurance rates if you cultivate a better culture behind wheels. If you drive a sports car or power bike, you will likely pay a huge sum in life insurance. The simple reason remains that you raise the probability that claims will be made sooner.

3. People whose occupations expose to hazards get higher life insurance premiums. Choosing a non-hazardous vocation will bring down your life insurance premium by a good margin.

Someone who works in a nuclear plant can't attract the same rates with a salesperson in the local grocery.

4. A healthy routine will get you cheaper life insurance rates. For instance, your life insurance rate will be lower with time if you stop taking junk food.

Removing fats, cholesterol and high carb from your diet will make it easier for you to maintain the ideal weight, live a healthier life and, as a consequence, attract cheaper life insurance rates.

You will as well help your health and life insurance rate by going on routine exercise.

5. You can lower your rates by not drinking alcoholic beverages. Drinking increases your health risk.

Most diseases can be traced to drinking.

How much alcohol is okay for you? I can't really say as there are people who can drink a bottle and still maintain their cool while some will take just a sip and then go berserk.

But here is one indisputable fact: Staying away from alcohol totally will do you a world of good. If you can't stay away totally, drink in moderation if you want to reduce your risk.

But I'm told it is more difficult to drink in moderation than it is to stay away completely. Ask for help if you want to stop drinking. There are groups that help alcoholics stop drinking.

6. You will save a lot if you really have between 15-30 minutes. Visit, obtain and compare quotes from several insurance quotes sites. This simple exercise could save you between a few hundred to a couple of thousand dollars.

7. Don't become carried away by the cheapest rate as you shop for affordable life insurance. What you need isn't merely the cheapest quote but that which offers the best price to value ratio.

You can get very low rates that give you the value you want if you shop extensively. But be willing to pay a little more if required to buy adequate coverage.

Bear this in mind because a number of cheap quotes could be that low because they don't offer much. A life insurance package that gives insufficient coverage does not make sense even if it's 80% cheaper than the quote that gives you adequate life insurance coverage.
About the Author
Get your free quotes this moment from the following page (You'll spend only about five minutes): Get Whole Life Term Life Insurance Quotes. Chimezirim Odimba has written more than 1,500 published articles on insurance.
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